Structural reform of the Payments Business through expansion of non-asset businesses and a focus on selected areas
First written in FY2025. 5 of 6 entries say "Advanced", first in FY2026-H1. Latest entry: 2026-11-13.
No other company in this theme has enough history to compare yet.
- FY2026AdvancedAnnual report
「The effects of fee revisions for revolving payments and the introduction of card service fees for inactive members are steadily materializing and contributing to the maximization of further revenue opportunities. Collaboration with DMM.com in the digital space and the Beisia Group in physical channels is also contributing to broadening the customer base. In addition, the company promoted organizational and operational simplification through the use of AI and digital transformation, improving operational efficiency and optimizing its cost structure.」
For structural reform in the Payments Business, the company revised fees, introduced service fees for inactive members, collaborated with DMM.com and the Beisia Group, and simplified operations through AI and digital transformation, with the effects of these measures becoming evident. - FY2027-H1AdvancedAnnual report
「In addition to revising fees for revolving payments and introducing card service fees for inactive members, we are promoting reforms to the earnings structure, including the introduction of ETC card service fees.」
In addition to the previous revisions to revolving payment fees and fees for inactive members, the Company introduced ETC card service fees, expanding reforms to the earnings structure of the payments business. - FY2026-H1AdvancedAnnual report
「The company strategically focused on acquiring and developing highly active, high-spending customers, centered on premium customers with GOLD cards or higher and corporate customers, including sole proprietors and SMEs (Small and Medium Enterprises), and sought to establish a competitive advantage by building a highly profitable customer base. In addition to raising fees for revolving payments, it is working to maximize further revenue opportunities by introducing card service fees for inactive members. It is also expanding its customer base through collaboration with DMM.com in the digital space and the Beisia Group. In addition, it continuously promoted the simplification of its organization and operations, improving operational efficiency and optimizing its cost structure.」
The company implemented specific measures for structural reform in the Payments Business, including focusing on highly profitable customers, raising revolving-payment fees, introducing service fees for inactive members, collaborating with DMM.com and the Beisia Group, and simplifying its organization and operations. - FY2025First statedAnnual report
「In the Payments Business, where the competitive environment is intensifying amid changes in the business environment caused by rising interest rates, the company is seeking to improve capital efficiency by strengthening non-asset businesses that are not affected by interest rates and focusing on selected areas, while improving organizational and operational efficiency through digital transformation.」
For the Payments Business, the company for the first time explicitly described structural reform combining the strengthening of non-asset businesses unaffected by interest rates and improved capital efficiency through a focus on selected areas with organizational and operational efficiency gains through digital transformation.